Home > Second Federal Savings and Loan Association of Philadelphia > Performance and Condition Ratios
Second Federal Savings and Loan Association of Philadelphia, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6381% | 996 |
| Cost of funding earning assets | 2.2360% | 601 |
| Net interest margin | 3.4021% | 2,402 |
| Noninterest income to average assets | 0.0500% | 4,441 |
| Noninterest expense to average assets | 2.0223% | 3,576 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.8889% | 2,583 |
| Return on assets (ROA) | 0.8422% | 2,713 |
| Pretax return on assets | 1.1210% | 2,350 |
| Return on Equity (ROE) | 4.8900% | 3,742 |
| Retained earnings to average equity (ytd only) | 4.8898% | 2,638 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.5907% | 3,015 |
| Assets per employee ($millions) | 11.9927% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 1,936 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 79.6800% | 679 |
| Net loans and leases to deposits | 156.1152% | 11 |
| Net loans and leases to core deposits | 180.9340% | 100 |
| Total domestic deposits to total assets | 51.0400% | 4,468 |
| Equity capital to assets | 17.5746% | 366 |
| Core capital (leverage) ratio | 17.9926% | 344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6200% | 291 |
| Memoranda: | ||
| Average total assets | $35,504,200 | 4,428 |
| Average earning assets | $34,302,200 | 4,385 |
| Average equity | $6,114,800 | 4,155 |
| Average total loans | $27,875,200 | 4,171 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5202% | 984 |
| Cost of funding earning assets | 2.0403% | 659 |
| Net interest margin | 3.4799% | 2,252 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 1.9555% | 3,697 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.0537% | 2,205 |
| Return on assets (ROA) | 1.0060% | 2,333 |
| Pretax return on assets | 1.3451% | 1,912 |
| Return on Equity (ROE) | 5.8700% | 3,664 |
| Retained earnings to average equity (ytd only) | 5.8718% | 2,667 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.2848% | 3,283 |
| Assets per employee ($millions) | 11.9893% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 2,634 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 80.0400% | 641 |
| Net loans and leases to deposits | 156.1873% | 13 |
| Net loans and leases to core deposits | 177.8917% | 59 |
| Total domestic deposits to total assets | 51.2500% | 4,495 |
| Equity capital to assets | 17.3043% | 378 |
| Core capital (leverage) ratio | 18.2064% | 339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2527% | 310 |
| Memoranda: | ||
| Average total assets | $35,385,750 | 4,450 |
| Average earning assets | $34,176,750 | 4,407 |
| Average equity | $6,062,750 | 4,163 |
| Average total loans | $27,584,750 | 4,192 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3842% | 971 |
| Cost of funding earning assets | 1.8692% | 653 |
| Net interest margin | 3.5150% | 2,228 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 1.8868% | 3,844 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 1.0338% | 2,307 |
| Return on assets (ROA) | 0.9889% | 2,445 |
| Pretax return on assets | 1.3071% | 2,066 |
| Return on Equity (ROE) | 5.7900% | 3,735 |
| Retained earnings to average equity (ytd only) | 5.7913% | 2,697 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.5156% | 3,566 |
| Assets per employee ($millions) | 7.0828% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 2,133 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 79.0500% | 733 |
| Net loans and leases to deposits | 156.3561% | 13 |
| Net loans and leases to core deposits | 181.5552% | 57 |
| Total domestic deposits to total assets | 50.5600% | 4,523 |
| Equity capital to assets | 17.2474% | 374 |
| Core capital (leverage) ratio | 17.3232% | 381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2363% | 342 |
| Memoranda: | ||
| Average total assets | $35,191,667 | 4,474 |
| Average earning assets | $34,025,333 | 4,436 |
| Average equity | $6,009,000 | 4,191 |
| Average total loans | $27,071,667 | 4,211 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2027% | 949 |
| Cost of funding earning assets | 1.7538% | 492 |
| Net interest margin | 3.4488% | 2,502 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 1.9498% | 3,748 |
| Loan and lease loss provision to assets | 0.3800% | 213 |
| Net operating income to assets | 0.6266% | 3,644 |
| Return on assets (ROA) | 0.5815% | 3,693 |
| Pretax return on assets | 1.0490% | 2,860 |
| Return on Equity (ROE) | 3.4200% | 4,129 |
| Retained earnings to average equity (ytd only) | 3.4231% | 3,406 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.8106% | 3,322 |
| Assets per employee ($millions) | 11.9003% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 2,163 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 76.6300% | 912 |
| Net loans and leases to deposits | 136.2500% | 30 |
| Net loans and leases to core deposits | 162.4065% | 84 |
| Total domestic deposits to total assets | 56.2400% | 4,554 |
| Equity capital to assets | 16.8063% | 356 |
| Core capital (leverage) ratio | 17.1287% | 390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3733% | 335 |
| Memoranda: | ||
| Average total assets | $35,080,500 | 4,541 |
| Average earning assets | $33,982,500 | 4,502 |
| Average equity | $5,959,500 | 4,245 |
| Average total loans | $26,432,000 | 4,279 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6184% | 597 |
| Cost of funding earning assets | 1.2052% | 69 |
| Net interest margin | 3.4132% | 2,212 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 2.1379% | 3,200 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 0.7513% | 3,477 |
| Return on assets (ROA) | 0.7126% | 3,525 |
| Pretax return on assets | 1.0307% | 2,974 |
| Return on Equity (ROE) | 3.9600% | 4,170 |
| Retained earnings to average equity (ytd only) | 3.9596% | 3,411 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.3550% | 2,715 |
| Assets per employee ($millions) | 11.4867% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 2,030 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 72.0600% | 1,414 |
| Net loans and leases to deposits | 134.4159% | 34 |
| Net loans and leases to core deposits | 162.7687% | 65 |
| Total domestic deposits to total assets | 53.6100% | 4,604 |
| Equity capital to assets | 17.1764% | 325 |
| Core capital (leverage) ratio | 17.4018% | 363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9318% | 285 |
| Memoranda: | ||
| Average total assets | $32,695,800 | 4,589 |
| Average earning assets | $31,613,000 | 4,559 |
| Average equity | $5,884,400 | 4,338 |
| Average total loans | $21,699,800 | 4,384 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4120% | 572 |
| Cost of funding earning assets | 1.1115% | 36 |
| Net interest margin | 3.3004% | 2,292 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.0792% | 3,273 |
| Loan and lease loss provision to assets | 0.2600% | 302 |
| Net operating income to assets | 0.7064% | 3,552 |
| Return on assets (ROA) | 0.6738% | 3,598 |
| Pretax return on assets | 0.9549% | 3,165 |
| Return on Equity (ROE) | 3.7000% | 4,199 |
| Retained earnings to average equity (ytd only) | 3.6987% | 3,556 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.2525% | 2,798 |
| Assets per employee ($millions) | 10.7830% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 2,212 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 76.1900% | 892 |
| Net loans and leases to deposits | 151.8172% | 13 |
| Net loans and leases to core deposits | 182.1986% | 31 |
| Total domestic deposits to total assets | 50.1800% | 4,652 |
| Equity capital to assets | 18.0129% | 274 |
| Core capital (leverage) ratio | 17.4221% | 352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7742% | 294 |
| Memoranda: | ||
| Average total assets | $32,254,750 | 4,627 |
| Average earning assets | $31,187,000 | 4,594 |
| Average equity | $5,875,750 | 4,381 |
| Average total loans | $20,836,750 | 4,436 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3058% | 522 |
| Cost of funding earning assets | 1.1182% | 22 |
| Net interest margin | 3.1876% | 2,233 |
| Noninterest income to average assets | 0.0372% | 4,670 |
| Noninterest expense to average assets | 1.9675% | 3,523 |
| Loan and lease loss provision to assets | -0.0310% | 4,469 |
| Net operating income to assets | 0.8493% | 2,782 |
| Return on assets (ROA) | 0.8689% | 2,674 |
| Pretax return on assets | 1.2041% | 2,068 |
| Return on Equity (ROE) | 4.7522% | 3,865 |
| Retained earnings to average equity (ytd only) | 4.7522% | 2,800 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1474% | 2,892 |
| Assets per employee ($millions) | 11.5227% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 2,534 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 57.1656% | 2,621 |
| Net loans and leases to deposits | 107.2627% | 113 |
| Net loans and leases to core deposits | 127.5315% | 136 |
| Total domestic deposits to total assets | 53.2950% | 4,715 |
| Equity capital to assets | 16.9579% | 283 |
| Core capital (leverage) ratio | 16.9085% | 325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3014% | 351 |
| Memoranda: | ||
| Average total assets | $32,223,333 | 4,663 |
| Average earning assets | $31,120,667 | 4,647 |
| Average equity | $5,892,000 | 4,425 |
| Average total loans | $19,462,000 | 4,513 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3411% | 412 |
| Cost of funding earning assets | 1.1487% | 14 |
| Net interest margin | 3.1924% | 1,908 |
| Noninterest income to average assets | 0.0129% | 4,737 |
| Noninterest expense to average assets | 2.0096% | 3,403 |
| Loan and lease loss provision to assets | -0.1031% | 4,605 |
| Net operating income to assets | 0.7723% | 2,760 |
| Return on assets (ROA) | 0.7214% | 2,968 |
| Pretax return on assets | 1.1207% | 2,077 |
| Return on Equity (ROE) | 3.7921% | 3,929 |
| Retained earnings to average equity (ytd only) | 3.7921% | 3,011 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0000% | 2,909 |
| Assets per employee ($millions) | 11.5277% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 2,467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 54.3302% | 2,712 |
| Net loans and leases to deposits | 102.2419% | 139 |
| Net loans and leases to core deposits | 123.6118% | 127 |
| Total domestic deposits to total assets | 53.1388% | 4,746 |
| Equity capital to assets | 16.9303% | 273 |
| Core capital (leverage) ratio | 17.8740% | 247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5823% | 183 |
| Memoranda: | ||
| Average total assets | $31,051,000 | 4,697 |
| Average earning assets | $29,946,000 | 4,678 |
| Average equity | $5,907,000 | 4,474 |
| Average total loans | $19,189,500 | 4,536 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4439% | 658 |
| Cost of funding earning assets | 0.9185% | 101 |
| Net interest margin | 3.5254% | 1,667 |
| Noninterest income to average assets | 0.0116% | 4,784 |
| Noninterest expense to average assets | 2.1084% | 3,371 |
| Loan and lease loss provision to assets | 0.2136% | 487 |
| Net operating income to assets | 0.7343% | 3,536 |
| Return on assets (ROA) | 0.7067% | 3,664 |
| Pretax return on assets | 1.0678% | 3,073 |
| Return on Equity (ROE) | 3.0636% | 4,350 |
| Retained earnings to average equity (ytd only) | 3.0636% | 3,608 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5646% | 2,928 |
| Assets per employee ($millions) | 6.8798% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 2,369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 69.3921% | 1,113 |
| Net loans and leases to deposits | 105.9359% | 109 |
| Net loans and leases to core deposits | 128.5493% | 109 |
| Total domestic deposits to total assets | 65.5038% | 4,734 |
| Equity capital to assets | 21.6541% | 131 |
| Core capital (leverage) ratio | 21.3953% | 137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.1931% | 155 |
| Memoranda: | ||
| Average total assets | $25,754,000 | 4,774 |
| Average earning assets | $24,933,000 | 4,748 |
| Average equity | $5,940,800 | 4,532 |
| Average total loans | $16,560,600 | 4,624 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4741% | 702 |
| Cost of funding earning assets | 0.9264% | 118 |
| Net interest margin | 3.5477% | 1,738 |
| Noninterest income to average assets | 0.0105% | 4,860 |
| Noninterest expense to average assets | 1.9963% | 3,684 |
| Loan and lease loss provision to assets | 0.1699% | 641 |
| Net operating income to assets | 0.8738% | 3,318 |
| Return on assets (ROA) | 0.8322% | 3,500 |
| Pretax return on assets | 1.2220% | 2,861 |
| Return on Equity (ROE) | 3.5487% | 4,379 |
| Retained earnings to average equity (ytd only) | 3.5487% | 3,732 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0398% | 3,257 |
| Assets per employee ($millions) | 6.9375% | 1,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 2,347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 61.0054% | 2,133 |
| Net loans and leases to deposits | 94.3330% | 405 |
| Net loans and leases to core deposits | 112.6272% | 280 |
| Total domestic deposits to total assets | 64.6703% | 4,804 |
| Equity capital to assets | 21.7153% | 138 |
| Core capital (leverage) ratio | 21.3111% | 147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.4105% | 162 |
| Memoranda: | ||
| Average total assets | $25,312,750 | 4,848 |
| Average earning assets | $24,466,000 | 4,822 |
| Average equity | $5,936,250 | 4,603 |
| Average total loans | $15,864,000 | 4,705 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4959% | 729 |
| Cost of funding earning assets | 0.9483% | 142 |
| Net interest margin | 3.5476% | 1,722 |
| Noninterest income to average assets | 0.0082% | 4,901 |
| Noninterest expense to average assets | 2.0326% | 3,596 |
| Loan and lease loss provision to assets | 0.1306% | 949 |
| Net operating income to assets | 0.8911% | 3,247 |
| Return on assets (ROA) | 0.8653% | 3,391 |
| Pretax return on assets | 1.2326% | 2,822 |
| Return on Equity (ROE) | 3.5894% | 4,397 |
| Retained earnings to average equity (ytd only) | 3.5894% | 3,654 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2857% | 3,117 |
| Assets per employee ($millions) | 9.0690% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 2,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 57.6506% | 2,709 |
| Net loans and leases to deposits | 89.6798% | 671 |
| Net loans and leases to core deposits | 107.5715% | 425 |
| Total domestic deposits to total assets | 64.2849% | 4,842 |
| Equity capital to assets | 21.8657% | 130 |
| Core capital (leverage) ratio | 22.6474% | 118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.3571% | 143 |
| Memoranda: | ||
| Average total assets | $24,500,333 | 4,888 |
| Average earning assets | $23,621,333 | 4,865 |
| Average equity | $5,906,333 | 4,629 |
| Average total loans | $15,433,000 | 4,742 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6691% | 593 |
| Cost of funding earning assets | 1.0095% | 129 |
| Net interest margin | 3.6596% | 1,429 |
| Noninterest income to average assets | 0.0173% | 4,908 |
| Noninterest expense to average assets | 2.2119% | 3,069 |
| Loan and lease loss provision to assets | 0.1037% | 1,311 |
| Net operating income to assets | 1.0673% | 2,579 |
| Return on assets (ROA) | 1.0369% | 2,765 |
| Pretax return on assets | 1.1751% | 2,914 |
| Return on Equity (ROE) | 4.0782% | 4,268 |
| Retained earnings to average equity (ytd only) | 4.0782% | 3,478 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7451% | 2,641 |
| Assets per employee ($millions) | 7.7553% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3346% | 2,273 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 64.1881% | 2,017 |
| Net loans and leases to deposits | 110.0435% | 131 |
| Net loans and leases to core deposits | 135.1983% | 111 |
| Total domestic deposits to total assets | 58.3298% | 4,895 |
| Equity capital to assets | 25.3847% | 87 |
| Core capital (leverage) ratio | 25.7542% | 84 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.2816% | 97 |
| Memoranda: | ||
| Average total assets | $23,147,000 | 4,919 |
| Average earning assets | $22,188,500 | 4,898 |
| Average equity | $5,885,000 | 4,649 |
| Average total loans | $15,201,000 | 4,781 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6600% | 965 |
| Cost of funding earning assets | 1.2489% | 224 |
| Net interest margin | 3.4111% | 2,742 |
| Noninterest income to average assets | 0.0000% | 4,957 |
| Noninterest expense to average assets | 2.8566% | 1,800 |
| Loan and lease loss provision to assets | 0.4954% | 504 |
| Net operating income to assets | -0.2003% | 4,817 |
| Return on assets (ROA) | -0.1476% | 4,818 |
| Pretax return on assets | -0.0316% | 4,775 |
| Return on Equity (ROE) | -0.4792% | 4,796 |
| Retained earnings to average equity (ytd only) | -0.4792% | 4,589 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4194% | 469 |
| Assets per employee ($millions) | 7.6760% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 2,528 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 65.4464% | 2,163 |
| Net loans and leases to deposits | 138.4566% | 29 |
| Net loans and leases to core deposits | 169.7950% | 61 |
| Total domestic deposits to total assets | 47.2685% | 4,952 |
| Equity capital to assets | 25.4647% | 96 |
| Core capital (leverage) ratio | 26.4445% | 79 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.1754% | 93 |
| Memoranda: | ||
| Average total assets | $18,973,800 | 4,961 |
| Average earning assets | $18,176,000 | 4,945 |
| Average equity | $5,843,000 | 4,660 |
| Average total loans | $12,606,000 | 4,849 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7115% | 1,038 |
| Cost of funding earning assets | 1.2962% | 247 |
| Net interest margin | 3.4152% | 2,869 |
| Noninterest income to average assets | 0.0000% | 4,986 |
| Noninterest expense to average assets | 2.9620% | 1,524 |
| Loan and lease loss provision to assets | 0.6236% | 394 |
| Net operating income to assets | -0.4157% | 4,886 |
| Return on assets (ROA) | -0.3266% | 4,872 |
| Pretax return on assets | -0.2301% | 4,847 |
| Return on Equity (ROE) | -1.0049% | 4,834 |
| Retained earnings to average equity (ytd only) | -1.0049% | 4,615 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6818% | 346 |
| Assets per employee ($millions) | 6.5433% | 1,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 1,971 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 69.0372% | 2,105 |
| Net loans and leases to deposits | 142.6827% | 35 |
| Net loans and leases to core deposits | 173.0558% | 64 |
| Total domestic deposits to total assets | 48.3851% | 4,980 |
| Equity capital to assets | 29.7911% | 63 |
| Core capital (leverage) ratio | 29.8473% | 64 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.1447% | 85 |
| Memoranda: | ||
| Average total assets | $17,960,250 | 4,998 |
| Average earning assets | $17,177,500 | 4,979 |
| Average equity | $5,837,750 | 4,683 |
| Average total loans | $11,941,000 | 4,891 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5659% | 1,740 |
| Cost of funding earning assets | 1.3217% | 327 |
| Net interest margin | 3.2442% | 3,543 |
| Noninterest income to average assets | 0.0000% | 5,011 |
| Noninterest expense to average assets | 3.1028% | 1,350 |
| Loan and lease loss provision to assets | 0.7585% | 338 |
| Net operating income to assets | -0.8159% | 4,948 |
| Return on assets (ROA) | -0.6780% | 4,931 |
| Pretax return on assets | -0.6206% | 4,919 |
| Return on Equity (ROE) | -2.0225% | 4,873 |
| Retained earnings to average equity (ytd only) | -2.0225% | 4,589 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 182 |
| Assets per employee ($millions) | 6.2757% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 1,897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 66.1603% | 2,605 |
| Net loans and leases to deposits | 143.0737% | 31 |
| Net loans and leases to core deposits | 176.6809% | 58 |
| Total domestic deposits to total assets | 46.2421% | 5,014 |
| Equity capital to assets | 30.9874% | 58 |
| Core capital (leverage) ratio | 31.2112% | 60 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.5990% | 81 |
| Memoranda: | ||
| Average total assets | $17,403,667 | 5,031 |
| Average earning assets | $16,645,000 | 5,015 |
| Average equity | $5,834,333 | 4,704 |
| Average total loans | $11,342,333 | 4,935 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4913% | 2,331 |
| Cost of funding earning assets | 1.3298% | 517 |
| Net interest margin | 3.1615% | 3,954 |
| Noninterest income to average assets | 0.0000% | 5,056 |
| Noninterest expense to average assets | 3.0913% | 1,662 |
| Loan and lease loss provision to assets | 1.3180% | 131 |
| Net operating income to assets | -1.5816% | 5,029 |
| Return on assets (ROA) | -1.3899% | 5,004 |
| Pretax return on assets | -1.1982% | 4,973 |
| Return on Equity (ROE) | -3.9763% | 4,897 |
| Retained earnings to average equity (ytd only) | -3.9763% | 4,434 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3810% | 211 |
| Assets per employee ($millions) | 4.4640% | 3,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 2,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 65.0034% | 2,945 |
| Net loans and leases to deposits | 132.5757% | 32 |
| Net loans and leases to core deposits | 163.2949% | 72 |
| Total domestic deposits to total assets | 49.0311% | 5,071 |
| Equity capital to assets | 32.4989% | 58 |
| Core capital (leverage) ratio | 34.6172% | 54 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.7471% | 68 |
| Memoranda: | ||
| Average total assets | $16,692,000 | 5,086 |
| Average earning assets | $15,942,000 | 5,070 |
| Average equity | $5,834,500 | 4,744 |
| Average total loans | $10,702,000 | 4,987 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3309% | 3,457 |
| Cost of funding earning assets | 0.9315% | 2,052 |
| Net interest margin | 3.3994% | 3,745 |
| Noninterest income to average assets | 0.0000% | 5,130 |
| Noninterest expense to average assets | 4.3579% | 348 |
| Loan and lease loss provision to assets | 0.2479% | 745 |
| Net operating income to assets | -1.4501% | 5,117 |
| Return on assets (ROA) | -1.4201% | 5,117 |
| Pretax return on assets | -1.3675% | 5,114 |
| Return on Equity (ROE) | -3.1631% | 5,050 |
| Retained earnings to average equity (ytd only) | -3.1631% | 4,916 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.8314% | 57 |
| Assets per employee ($millions) | 3.8820% | 4,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 3,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 61.4374% | 3,455 |
| Net loans and leases to deposits | 113.8425% | 130 |
| Net loans and leases to core deposits | 136.4221% | 206 |
| Total domestic deposits to total assets | 53.9670% | 5,116 |
| Equity capital to assets | 37.7769% | 54 |
| Core capital (leverage) ratio | 39.1898% | 53 |
| Tier 1 risk-based capital ratio | 68.0374% | 72 |
| Total risk-based capital ratio | 69.2173% | 71 |
| Memoranda: | ||
| Average total assets | $13,309,200 | 5,158 |
| Average earning assets | $12,561,000 | 5,146 |
| Average equity | $5,975,200 | 4,759 |
| Average total loans | $7,667,000 | 5,095 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2593% | 3,786 |
| Cost of funding earning assets | 0.8007% | 2,716 |
| Net interest margin | 3.4587% | 3,705 |
| Noninterest income to average assets | 0.0000% | 5,208 |
| Noninterest expense to average assets | 4.3905% | 333 |
| Loan and lease loss provision to assets | 0.1254% | 1,550 |
| Net operating income to assets | -1.2649% | 5,191 |
| Return on assets (ROA) | -1.2231% | 5,192 |
| Pretax return on assets | -1.2231% | 5,187 |
| Return on Equity (ROE) | -2.5989% | 5,131 |
| Retained earnings to average equity (ytd only) | -2.5989% | 4,965 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.0482% | 57 |
| Assets per employee ($millions) | 3.6730% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 3,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 52.7634% | 4,268 |
| Net loans and leases to deposits | 91.2752% | 1,534 |
| Net loans and leases to core deposits | 108.9682% | 993 |
| Total domestic deposits to total assets | 57.8070% | 5,175 |
| Equity capital to assets | 40.4574% | 50 |
| Core capital (leverage) ratio | 45.3902% | 41 |
| Tier 1 risk-based capital ratio | 80.9053% | 54 |
| Total risk-based capital ratio | 82.0027% | 55 |
| Memoranda: | ||
| Average total assets | $12,754,500 | 5,242 |
| Average earning assets | $11,989,000 | 5,227 |
| Average equity | $6,002,500 | 4,817 |
| Average total loans | $7,173,500 | 5,183 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3505% | 3,490 |
| Cost of funding earning assets | 0.7368% | 2,965 |
| Net interest margin | 3.6137% | 3,211 |
| Noninterest income to average assets | 0.0000% | 5,250 |
| Noninterest expense to average assets | 4.7074% | 264 |
| Loan and lease loss provision to assets | 0.0330% | 3,168 |
| Net operating income to assets | -1.2223% | 5,233 |
| Return on assets (ROA) | -1.2223% | 5,236 |
| Pretax return on assets | -1.3379% | 5,237 |
| Return on Equity (ROE) | -2.4577% | 5,176 |
| Retained earnings to average equity (ytd only) | -2.4577% | 4,945 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.3495% | 48 |
| Assets per employee ($millions) | 3.0053% | 4,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 3,330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 54.8457% | 4,155 |
| Net loans and leases to deposits | 114.3427% | 139 |
| Net loans and leases to core deposits | 114.3427% | 764 |
| Total domestic deposits to total assets | 47.9661% | 5,255 |
| Equity capital to assets | 49.7712% | 36 |
| Core capital (leverage) ratio | 48.9976% | 37 |
| Tier 1 risk-based capital ratio | 90.2309% | 50 |
| Total risk-based capital ratio | 91.3096% | 49 |
| Memoranda: | ||
| Average total assets | $12,108,670 | 5,293 |
| Average earning assets | $11,401,000 | 5,278 |
| Average equity | $6,022,000 | 4,850 |
| Average total loans | $6,954,000 | 5,235 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4565% | 3,030 |
| Cost of funding earning assets | 0.7018% | 3,047 |
| Net interest margin | 3.7547% | 2,692 |
| Noninterest income to average assets | 0.0000% | 5,305 |
| Noninterest expense to average assets | 3.5219% | 939 |
| Loan and lease loss provision to assets | 0.0658% | 2,346 |
| Net operating income to assets | -0.3292% | 5,232 |
| Return on assets (ROA) | -0.3292% | 5,227 |
| Pretax return on assets | -0.0658% | 5,164 |
| Return on Equity (ROE) | -0.6621% | 5,173 |
| Retained earnings to average equity (ytd only) | -0.6621% | 4,615 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 174 |
| Assets per employee ($millions) | 4.0517% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 3,830 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 58.2805% | 3,855 |
| Net loans and leases to deposits | 120.5993% | 78 |
| Net loans and leases to core deposits | 120.5993% | 511 |
| Total domestic deposits to total assets | 48.3258% | 5,315 |
| Equity capital to assets | 49.7655% | 35 |
| Core capital (leverage) ratio | 49.6376% | 35 |
| Tier 1 risk-based capital ratio | 88.5265% | 47 |
| Total risk-based capital ratio | 89.5549% | 46 |
| Memoranda: | ||
| Average total assets | $12,152,500 | 5,350 |
| Average earning assets | $11,399,000 | 5,336 |
| Average equity | $6,041,500 | 4,887 |
| Average total loans | $7,099,500 | 5,293 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5721% | 4,832 |
| Cost of funding earning assets | 0.6703% | 2,262 |
| Net interest margin | 2.9018% | 4,918 |
| Noninterest income to average assets | 0.0542% | 5,262 |
| Noninterest expense to average assets | 3.1141% | 1,758 |
| Loan and lease loss provision to assets | 0.1704% | 1,174 |
| Net operating income to assets | -0.3586% | 5,304 |
| Return on assets (ROA) | -2.4943% | 5,380 |
| Pretax return on assets | -3.1838% | 5,384 |
| Return on Equity (ROE) | -5.3158% | 5,319 |
| Retained earnings to average equity (ytd only) | -5.3158% | 5,250 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.0497% | 79 |
| Assets per employee ($millions) | 4.0500% | 3,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9652% | 3,881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 57.4239% | 4,017 |
| Net loans and leases to deposits | 118.3345% | 113 |
| Net loans and leases to core deposits | 118.3345% | 610 |
| Total domestic deposits to total assets | 48.5267% | 5,360 |
| Equity capital to assets | 49.6626% | 37 |
| Core capital (leverage) ratio | 49.3583% | 37 |
| Tier 1 risk-based capital ratio | 90.3622% | 46 |
| Total risk-based capital ratio | 91.3798% | 46 |
| Memoranda: | ||
| Average total assets | $12,909,200 | 5,390 |
| Average earning assets | $12,233,800 | 5,378 |
| Average equity | $6,057,400 | 4,884 |
| Average total loans | $5,742,400 | 5,351 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4097% | 5,024 |
| Cost of funding earning assets | 0.6540% | 2,128 |
| Net interest margin | 2.7556% | 5,126 |
| Noninterest income to average assets | 0.0712% | 5,292 |
| Noninterest expense to average assets | 3.1452% | 1,657 |
| Loan and lease loss provision to assets | 0.1221% | 1,646 |
| Net operating income to assets | -0.3325% | 5,371 |
| Return on assets (ROA) | -3.1147% | 5,456 |
| Pretax return on assets | -4.1020% | 5,462 |
| Return on Equity (ROE) | -6.7289% | 5,404 |
| Retained earnings to average equity (ytd only) | -6.7289% | 5,348 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.0455% | 64 |
| Assets per employee ($millions) | 3.0978% | 4,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 3,859 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 46.9857% | 4,753 |
| Net loans and leases to deposits | 95.1618% | 1,249 |
| Net loans and leases to core deposits | 95.1618% | 2,197 |
| Total domestic deposits to total assets | 49.3745% | 5,427 |
| Equity capital to assets | 48.6563% | 36 |
| Core capital (leverage) ratio | 48.3082% | 39 |
| Tier 1 risk-based capital ratio | 85.3399% | 48 |
| Total risk-based capital ratio | 86.1615% | 48 |
| Memoranda: | ||
| Average total assets | $13,099,000 | 5,460 |
| Average earning assets | $12,435,000 | 5,447 |
| Average equity | $6,063,250 | 4,937 |
| Average total loans | $5,416,750 | 5,422 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1654% | 5,256 |
| Cost of funding earning assets | 0.6614% | 1,864 |
| Net interest margin | 2.5040% | 5,343 |
| Noninterest income to average assets | 0.0000% | 5,488 |
| Noninterest expense to average assets | 2.9396% | 2,229 |
| Loan and lease loss provision to assets | 0.1500% | 1,259 |
| Net operating income to assets | -0.2199% | 5,399 |
| Return on assets (ROA) | -4.3195% | 5,528 |
| Pretax return on assets | -5.8943% | 5,534 |
| Return on Equity (ROE) | -9.4820% | 5,471 |
| Retained earnings to average equity (ytd only) | -9.4820% | 5,410 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.2704% | 63 |
| Assets per employee ($millions) | 4.2067% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 3,786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 43.5816% | 4,926 |
| Net loans and leases to deposits | 87.1080% | 2,207 |
| Net loans and leases to core deposits | 87.1080% | 2,810 |
| Total domestic deposits to total assets | 50.0317% | 5,492 |
| Equity capital to assets | 47.9160% | 40 |
| Core capital (leverage) ratio | 47.1492% | 41 |
| Tier 1 risk-based capital ratio | 84.9255% | 52 |
| Total risk-based capital ratio | 85.7123% | 52 |
| Memoranda: | ||
| Average total assets | $13,335,000 | 5,523 |
| Average earning assets | $12,699,670 | 5,509 |
| Average equity | $6,074,670 | 4,994 |
| Average total loans | $5,262,330 | 5,485 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2700% | 5,172 |
| Cost of funding earning assets | 0.6723% | 1,587 |
| Net interest margin | 2.5977% | 5,327 |
| Noninterest income to average assets | 0.0292% | 5,517 |
| Noninterest expense to average assets | 3.1842% | 1,601 |
| Loan and lease loss provision to assets | 0.2045% | 807 |
| Net operating income to assets | -1.1101% | 5,540 |
| Return on assets (ROA) | -11.2178% | 5,603 |
| Pretax return on assets | -10.9841% | 5,601 |
| Return on Equity (ROE) | -25.2279% | 5,582 |
| Retained earnings to average equity (ytd only) | -25.2279% | 5,538 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.7442% | 52 |
| Assets per employee ($millions) | 4.3487% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 3,842 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 39.4297% | 5,091 |
| Net loans and leases to deposits | 75.5693% | 3,262 |
| Net loans and leases to core deposits | 75.5693% | 3,700 |
| Total domestic deposits to total assets | 52.1769% | 5,550 |
| Equity capital to assets | 45.6538% | 41 |
| Core capital (leverage) ratio | 42.9955% | 42 |
| Tier 1 risk-based capital ratio | 83.5628% | 53 |
| Total risk-based capital ratio | 84.3074% | 53 |
| Memoranda: | ||
| Average total assets | $13,692,500 | 5,582 |
| Average earning assets | $13,088,500 | 5,570 |
| Average equity | $6,088,500 | 5,042 |
| Average total loans | $5,115,500 | 5,551 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4749% | 4,821 |
| Cost of funding earning assets | 0.5672% | 1,840 |
| Net interest margin | 2.9077% | 5,034 |
| Noninterest income to average assets | 0.2892% | 4,394 |
| Noninterest expense to average assets | 4.6347% | 284 |
| Loan and lease loss provision to assets | 0.0207% | 3,885 |
| Net operating income to assets | -1.3040% | 5,617 |
| Return on assets (ROA) | -1.3498% | 5,616 |
| Pretax return on assets | -1.6321% | 5,636 |
| Return on Equity (ROE) | -3.0830% | 5,489 |
| Retained earnings to average equity (ytd only) | -3.0830% | 5,349 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.5593% | 25 |
| Assets per employee ($millions) | 7.1695% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 4,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 34.7862% | 5,321 |
| Net loans and leases to deposits | 70.9026% | 3,800 |
| Net loans and leases to core deposits | 70.9026% | 4,116 |
| Total domestic deposits to total assets | 49.0620% | 5,622 |
| Equity capital to assets | 43.3852% | 40 |
| Core capital (leverage) ratio | 43.4185% | 37 |
| Tier 1 risk-based capital ratio | 55.3568% | 98 |
| Total risk-based capital ratio | 55.7662% | 97 |
| Memoranda: | ||
| Average total assets | $14,521,000 | 5,644 |
| Average earning assets | $13,928,400 | 5,627 |
| Average equity | $6,357,400 | 5,050 |
| Average total loans | $4,803,200 | 5,620 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4149% | 4,944 |
| Cost of funding earning assets | 0.5819% | 1,661 |
| Net interest margin | 2.8330% | 5,173 |
| Noninterest income to average assets | 0.0091% | 5,668 |
| Noninterest expense to average assets | 3.3775% | 1,191 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.6498% | 5,644 |
| Return on assets (ROA) | -0.6498% | 5,644 |
| Pretax return on assets | -0.6498% | 5,638 |
| Return on Equity (ROE) | -1.4810% | 5,574 |
| Retained earnings to average equity (ytd only) | -1.4810% | 5,389 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.8255% | 55 |
| Assets per employee ($millions) | 7.2420% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8556% | 4,736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 34.4035% | 5,406 |
| Net loans and leases to deposits | 69.7997% | 3,980 |
| Net loans and leases to core deposits | 69.7997% | 4,254 |
| Total domestic deposits to total assets | 49.2889% | 5,690 |
| Equity capital to assets | 44.0486% | 40 |
| Core capital (leverage) ratio | 42.4472% | 42 |
| Tier 1 risk-based capital ratio | 53.7503% | 105 |
| Total risk-based capital ratio | 54.1223% | 109 |
| Memoranda: | ||
| Average total assets | $14,566,500 | 5,709 |
| Average earning assets | $13,977,750 | 5,692 |
| Average equity | $6,391,500 | 5,098 |
| Average total loans | $4,745,500 | 5,684 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4206% | 4,936 |
| Cost of funding earning assets | 0.5582% | 1,721 |
| Net interest margin | 2.8624% | 5,151 |
| Noninterest income to average assets | 0.0137% | 5,708 |
| Noninterest expense to average assets | 3.6864% | 785 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.9319% | 5,713 |
| Return on assets (ROA) | -0.9319% | 5,713 |
| Pretax return on assets | -0.9319% | 5,707 |
| Return on Equity (ROE) | -2.1266% | 5,625 |
| Retained earnings to average equity (ytd only) | -2.1266% | 5,354 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.8308% | 44 |
| Assets per employee ($millions) | 7.4110% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8603% | 4,787 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 33.4300% | 5,470 |
| Net loans and leases to deposits | 66.3231% | 4,200 |
| Net loans and leases to core deposits | 66.3231% | 4,446 |
| Total domestic deposits to total assets | 50.4048% | 5,739 |
| Equity capital to assets | 43.0981% | 39 |
| Core capital (leverage) ratio | 42.4511% | 40 |
| Tier 1 risk-based capital ratio | 83.3958% | 48 |
| Total risk-based capital ratio | 83.9716% | 48 |
| Memoranda: | ||
| Average total assets | $14,594,000 | 5,758 |
| Average earning assets | $13,974,330 | 5,743 |
| Average equity | $6,395,330 | 5,124 |
| Average total loans | $4,652,000 | 5,735 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4135% | 4,901 |
| Cost of funding earning assets | 0.5207% | 1,932 |
| Net interest margin | 2.8928% | 5,099 |
| Noninterest income to average assets | 0.0276% | 5,767 |
| Noninterest expense to average assets | 2.7348% | 3,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0552% | 5,562 |
| Return on assets (ROA) | 0.0552% | 5,569 |
| Pretax return on assets | 0.0552% | 5,569 |
| Return on Equity (ROE) | 0.1250% | 5,601 |
| Retained earnings to average equity (ytd only) | 0.1250% | 4,884 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0198% | 267 |
| Assets per employee ($millions) | 7.3250% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9076% | 4,730 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 32.0478% | 5,538 |
| Net loans and leases to deposits | 61.2924% | 4,476 |
| Net loans and leases to core deposits | 61.2924% | 4,703 |
| Total domestic deposits to total assets | 52.2867% | 5,798 |
| Equity capital to assets | 43.7065% | 42 |
| Core capital (leverage) ratio | 44.3911% | 42 |
| Tier 1 risk-based capital ratio | 54.7178% | 105 |
| Total risk-based capital ratio | 55.0866% | 107 |
| Memoranda: | ||
| Average total assets | $14,480,000 | 5,829 |
| Average earning assets | $13,827,500 | 5,813 |
| Average equity | $6,399,000 | 5,172 |
| Average total loans | $4,479,000 | 5,807 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1615% | 5,348 |
| Cost of funding earning assets | 0.5231% | 1,916 |
| Net interest margin | 2.6384% | 5,486 |
| Noninterest income to average assets | 0.4575% | 3,494 |
| Noninterest expense to average assets | 2.9122% | 2,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0581% | 5,606 |
| Return on assets (ROA) | 0.0581% | 5,631 |
| Pretax return on assets | 0.0726% | 5,617 |
| Return on Equity (ROE) | 0.1222% | 5,658 |
| Retained earnings to average equity (ytd only) | 0.1222% | 5,266 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5669% | 264 |
| Assets per employee ($millions) | 7.1550% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 4,201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 29.1894% | 5,656 |
| Net loans and leases to deposits | 53.1763% | 5,051 |
| Net loans and leases to core deposits | 53.1763% | 5,172 |
| Total domestic deposits to total assets | 54.8917% | 5,854 |
| Equity capital to assets | 44.6890% | 39 |
| Core capital (leverage) ratio | 43.7315% | 42 |
| Tier 1 risk-based capital ratio | 54.6672% | 112 |
| Total risk-based capital ratio | 55.0365% | 114 |
| Memoranda: | ||
| Average total assets | $13,769,600 | 5,887 |
| Average earning assets | $13,190,000 | 5,872 |
| Average equity | $6,545,200 | 5,177 |
| Average total loans | $4,320,000 | 5,865 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1968% | 5,361 |
| Cost of funding earning assets | 0.4903% | 2,169 |
| Net interest margin | 2.7066% | 5,486 |
| Noninterest income to average assets | 0.0880% | 5,748 |
| Noninterest expense to average assets | 2.7283% | 3,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.0489% | 5,744 |
| Return on assets (ROA) | -0.0489% | 5,758 |
| Pretax return on assets | -0.0489% | 5,750 |
| Return on Equity (ROE) | -0.1013% | 5,745 |
| Retained earnings to average equity (ytd only) | -0.1013% | 5,372 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8248% | 200 |
| Assets per employee ($millions) | 7.3050% | 789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 4,389 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 29.0554% | 5,731 |
| Net loans and leases to deposits | 54.0833% | 5,108 |
| Net loans and leases to core deposits | 54.0833% | 5,222 |
| Total domestic deposits to total assets | 53.7235% | 5,922 |
| Equity capital to assets | 45.2772% | 39 |
| Core capital (leverage) ratio | 44.1774% | 39 |
| Tier 1 risk-based capital ratio | 55.7254% | 104 |
| Total risk-based capital ratio | 56.0967% | 107 |
| Memoranda: | ||
| Average total assets | $13,634,500 | 5,953 |
| Average earning assets | $13,054,250 | 5,940 |
| Average equity | $6,582,750 | 5,219 |
| Average total loans | $4,345,000 | 5,931 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3188% | 5,250 |
| Cost of funding earning assets | 0.4561% | 2,506 |
| Net interest margin | 2.8627% | 5,324 |
| Noninterest income to average assets | 0.0150% | 5,976 |
| Noninterest expense to average assets | 2.8251% | 2,941 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.0751% | 5,804 |
| Return on assets (ROA) | -0.0751% | 5,822 |
| Pretax return on assets | -0.0751% | 5,822 |
| Return on Equity (ROE) | -0.1522% | 5,801 |
| Retained earnings to average equity (ytd only) | -0.1522% | 5,315 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7322% | 210 |
| Assets per employee ($millions) | 7.1060% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0199% | 4,405 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 29.3625% | 5,793 |
| Net loans and leases to deposits | 55.9834% | 5,012 |
| Net loans and leases to core deposits | 55.9834% | 5,175 |
| Total domestic deposits to total assets | 52.4486% | 6,003 |
| Equity capital to assets | 46.6366% | 40 |
| Core capital (leverage) ratio | 48.5262% | 39 |
| Tier 1 risk-based capital ratio | 102.5468% | 42 |
| Total risk-based capital ratio | 103.2065% | 42 |
| Memoranda: | ||
| Average total assets | $13,309,330 | 6,034 |
| Average earning assets | $12,715,330 | 6,018 |
| Average equity | $6,572,000 | 5,272 |
| Average total loans | $4,364,000 | 6,006 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4423% | 5,022 |
| Cost of funding earning assets | 0.3897% | 3,192 |
| Net interest margin | 3.0526% | 4,992 |
| Noninterest income to average assets | 0.0311% | 6,016 |
| Noninterest expense to average assets | 2.8309% | 2,953 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1244% | 5,645 |
| Return on assets (ROA) | 0.1244% | 5,696 |
| Pretax return on assets | 0.1244% | 5,714 |
| Return on Equity (ROE) | 0.2445% | 5,794 |
| Retained earnings to average equity (ytd only) | 0.2445% | 5,052 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7895% | 401 |
| Assets per employee ($millions) | 6.5720% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 4,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 32.0450% | 5,779 |
| Net loans and leases to deposits | 65.1911% | 4,320 |
| Net loans and leases to core deposits | 65.1911% | 4,606 |
| Total domestic deposits to total assets | 49.1555% | 6,071 |
| Equity capital to assets | 50.0000% | 38 |
| Core capital (leverage) ratio | 52.1356% | 37 |
| Tier 1 risk-based capital ratio | 69.4322% | 70 |
| Total risk-based capital ratio | 69.8827% | 72 |
| Memoranda: | ||
| Average total assets | $12,858,000 | 6,099 |
| Average earning assets | $12,317,500 | 6,085 |
| Average equity | $6,544,000 | 5,315 |
| Average total loans | $4,438,000 | 6,068 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3708% | 5,221 |
| Cost of funding earning assets | 0.3989% | 3,177 |
| Net interest margin | 2.9720% | 5,203 |
| Noninterest income to average assets | 0.4212% | 3,883 |
| Noninterest expense to average assets | 2.9936% | 2,570 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1913% | 5,597 |
| Return on assets (ROA) | 0.0451% | 5,856 |
| Pretax return on assets | 0.0677% | 5,829 |
| Return on Equity (ROE) | 0.0912% | 5,888 |
| Retained earnings to average equity (ytd only) | 0.0912% | 5,469 |
| Net charge-offs to loans | -0.0837% | 5,727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2844% | 612 |
| Assets per employee ($millions) | 6.2860% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9305% | 4,970 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 36.4143% | 5,695 |
| Net loans and leases to deposits | 76.6706% | 3,184 |
| Net loans and leases to core deposits | 76.6706% | 3,697 |
| Total domestic deposits to total assets | 47.4944% | 6,130 |
| Equity capital to assets | 51.8295% | 38 |
| Core capital (leverage) ratio | 51.6597% | 39 |
| Tier 1 risk-based capital ratio | 68.6783% | 72 |
| Total risk-based capital ratio | 69.1311% | 72 |
| Memoranda: | ||
| Average total assets | $13,295,200 | 6,156 |
| Average earning assets | $12,786,200 | 6,140 |
| Average equity | $6,580,400 | 5,330 |
| Average total loans | $4,781,200 | 6,123 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3165% | 5,376 |
| Cost of funding earning assets | 0.3914% | 3,309 |
| Net interest margin | 2.9251% | 5,362 |
| Noninterest income to average assets | 0.1682% | 5,639 |
| Noninterest expense to average assets | 2.5922% | 3,910 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3859% | 5,211 |
| Return on assets (ROA) | 0.0792% | 5,912 |
| Pretax return on assets | 0.0792% | 5,907 |
| Return on Equity (ROE) | 0.1618% | 5,955 |
| Retained earnings to average equity (ytd only) | 0.1618% | 5,558 |
| Net charge-offs to loans | -0.1106% | 5,821 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0432% | 934 |
| Assets per employee ($millions) | 6.4305% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9214% | 5,117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 35.9537% | 5,784 |
| Net loans and leases to deposits | 74.8341% | 3,442 |
| Net loans and leases to core deposits | 74.8341% | 3,923 |
| Total domestic deposits to total assets | 48.0445% | 6,216 |
| Equity capital to assets | 51.5512% | 42 |
| Core capital (leverage) ratio | 49.6083% | 42 |
| Tier 1 risk-based capital ratio | 66.2805% | 81 |
| Total risk-based capital ratio | 66.7175% | 81 |
| Memoranda: | ||
| Average total assets | $13,476,000 | 6,240 |
| Average earning assets | $12,945,000 | 6,226 |
| Average equity | $6,596,500 | 5,389 |
| Average total loans | $4,821,250 | 6,206 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1917% | 5,634 |
| Cost of funding earning assets | 0.3952% | 3,326 |
| Net interest margin | 2.7966% | 5,619 |
| Noninterest income to average assets | 0.2485% | 5,171 |
| Noninterest expense to average assets | 2.5144% | 4,195 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4239% | 5,068 |
| Return on assets (ROA) | 0.4239% | 5,170 |
| Pretax return on assets | 0.4239% | 5,417 |
| Return on Equity (ROE) | 0.8807% | 5,920 |
| Retained earnings to average equity (ytd only) | 0.8807% | 5,216 |
| Net charge-offs to loans | -0.1231% | 5,859 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5721% | 1,098 |
| Assets per employee ($millions) | 6.6755% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8938% | 5,319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 34.8813% | 5,868 |
| Net loans and leases to deposits | 69.2388% | 4,013 |
| Net loans and leases to core deposits | 69.2388% | 4,391 |
| Total domestic deposits to total assets | 50.3782% | 6,289 |
| Equity capital to assets | 49.0600% | 42 |
| Core capital (leverage) ratio | 48.5963% | 41 |
| Tier 1 risk-based capital ratio | 63.7595% | 91 |
| Total risk-based capital ratio | 64.1688% | 91 |
| Memoranda: | ||
| Average total assets | $13,681,000 | 6,317 |
| Average earning assets | $13,159,000 | 6,299 |
| Average equity | $6,585,330 | 5,436 |
| Average total loans | $4,872,670 | 6,279 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1838% | 5,671 |
| Cost of funding earning assets | 0.3905% | 3,406 |
| Net interest margin | 2.7933% | 5,658 |
| Noninterest income to average assets | 0.4911% | 3,339 |
| Noninterest expense to average assets | 2.3978% | 4,597 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7800% | 3,362 |
| Return on assets (ROA) | 0.7800% | 3,494 |
| Pretax return on assets | 0.7800% | 4,315 |
| Return on Equity (ROE) | 1.6356% | 5,771 |
| Retained earnings to average equity (ytd only) | 1.6356% | 4,819 |
| Net charge-offs to loans | -0.0807% | 5,749 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4545% | 2,592 |
| Assets per employee ($millions) | 6.8960% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8150% | 5,660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 35.2958% | 5,860 |
| Net loans and leases to deposits | 69.3645% | 3,814 |
| Net loans and leases to core deposits | 69.3645% | 4,216 |
| Total domestic deposits to total assets | 50.8846% | 6,360 |
| Equity capital to assets | 48.0641% | 43 |
| Core capital (leverage) ratio | 47.1296% | 42 |
| Tier 1 risk-based capital ratio | 62.3262% | 102 |
| Total risk-based capital ratio | 62.7072% | 104 |
| Memoranda: | ||
| Average total assets | $13,846,000 | 6,386 |
| Average earning assets | $13,317,500 | 6,367 |
| Average equity | $6,603,000 | 5,481 |
| Average total loans | $4,959,500 | 6,347 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4713% | 5,392 |
| Cost of funding earning assets | 0.4402% | 3,267 |
| Net interest margin | 3.0311% | 5,372 |
| Noninterest income to average assets | 0.1041% | 6,140 |
| Noninterest expense to average assets | 2.4283% | 4,765 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4163% | 5,171 |
| Return on assets (ROA) | 0.4163% | 5,235 |
| Pretax return on assets | 0.5897% | 4,975 |
| Return on Equity (ROE) | 0.9289% | 5,979 |
| Retained earnings to average equity (ytd only) | 0.9289% | 5,365 |
| Net charge-offs to loans | -0.0603% | 5,990 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4598% | 1,854 |
| Assets per employee ($millions) | 6.9500% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7783% | 5,829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 35.7698% | 5,965 |
| Net loans and leases to deposits | 69.1612% | 4,012 |
| Net loans and leases to core deposits | 69.1612% | 4,391 |
| Total domestic deposits to total assets | 51.7194% | 6,445 |
| Equity capital to assets | 47.3165% | 44 |
| Core capital (leverage) ratio | 46.8705% | 44 |
| Tier 1 risk-based capital ratio | 61.5552% | 89 |
| Total risk-based capital ratio | 61.5552% | 90 |
| Memoranda: | ||
| Average total assets | $14,413,600 | 6,469 |
| Average earning assets | $13,856,400 | 6,448 |
| Average equity | $6,459,400 | 5,536 |
| Average total loans | $4,971,600 | 6,437 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3170% | 5,737 |
| Cost of funding earning assets | 0.4480% | 3,272 |
| Net interest margin | 2.8690% | 5,765 |
| Noninterest income to average assets | 0.0091% | 6,457 |
| Noninterest expense to average assets | 2.2372% | 5,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4035% | 5,238 |
| Return on assets (ROA) | 0.4035% | 5,313 |
| Pretax return on assets | 0.5318% | 5,229 |
| Return on Equity (ROE) | 0.9124% | 6,042 |
| Retained earnings to average equity (ytd only) | 0.9124% | 5,516 |
| Net charge-offs to loans | -0.0806% | 6,074 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7947% | 1,796 |
| Assets per employee ($millions) | 7.1755% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7844% | 5,911 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 34.3739% | 6,099 |
| Net loans and leases to deposits | 63.9404% | 4,543 |
| Net loans and leases to core deposits | 63.9404% | 4,881 |
| Total domestic deposits to total assets | 53.7593% | 6,521 |
| Equity capital to assets | 45.5230% | 44 |
| Core capital (leverage) ratio | 45.2860% | 44 |
| Tier 1 risk-based capital ratio | 58.9211% | 94 |
| Total risk-based capital ratio | 58.9211% | 97 |
| Memoranda: | ||
| Average total assets | $14,542,000 | 6,548 |
| Average earning assets | $13,988,250 | 6,528 |
| Average equity | $6,430,000 | 5,599 |
| Average total loans | $4,961,750 | 6,516 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2705% | 5,841 |
| Cost of funding earning assets | 0.4550% | 3,269 |
| Net interest margin | 2.8155% | 5,871 |
| Noninterest income to average assets | 0.0137% | 6,527 |
| Noninterest expense to average assets | 2.4648% | 4,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2602% | 5,687 |
| Return on assets (ROA) | 0.2602% | 5,763 |
| Pretax return on assets | 0.2602% | 5,854 |
| Return on Equity (ROE) | 0.5942% | 6,126 |
| Retained earnings to average equity (ytd only) | 0.5942% | 5,497 |
| Net charge-offs to loans | -0.0807% | 6,081 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4523% | 882 |
| Assets per employee ($millions) | 7.1875% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7997% | 5,975 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 32.7930% | 6,208 |
| Net loans and leases to deposits | 60.8337% | 4,799 |
| Net loans and leases to core deposits | 60.8337% | 5,069 |
| Total domestic deposits to total assets | 53.9061% | 6,588 |
| Equity capital to assets | 45.1687% | 42 |
| Core capital (leverage) ratio | 44.9252% | 42 |
| Tier 1 risk-based capital ratio | 59.3730% | 91 |
| Total risk-based capital ratio | 59.3730% | 94 |
| Memoranda: | ||
| Average total assets | $14,605,670 | 6,614 |
| Average earning assets | $14,065,000 | 6,594 |
| Average equity | $6,395,670 | 5,635 |
| Average total loans | $4,958,330 | 6,581 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1945% | 6,011 |
| Cost of funding earning assets | 0.4764% | 3,162 |
| Net interest margin | 2.7181% | 6,089 |
| Noninterest income to average assets | 0.0272% | 6,547 |
| Noninterest expense to average assets | 2.4998% | 4,623 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1630% | 5,901 |
| Return on assets (ROA) | 0.1630% | 5,940 |
| Pretax return on assets | 0.1630% | 5,990 |
| Return on Equity (ROE) | 0.3781% | 6,166 |
| Retained earnings to average equity (ytd only) | 0.3781% | 5,421 |
| Net charge-offs to loans | -0.0790% | 6,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8776% | 757 |
| Assets per employee ($millions) | 7.4065% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7309% | 6,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 33.9229% | 6,184 |
| Net loans and leases to deposits | 60.5203% | 4,710 |
| Net loans and leases to core deposits | 60.5203% | 4,991 |
| Total domestic deposits to total assets | 56.0521% | 6,655 |
| Equity capital to assets | 43.0298% | 47 |
| Core capital (leverage) ratio | 42.4627% | 45 |
| Tier 1 risk-based capital ratio | 57.7064% | 101 |
| Total risk-based capital ratio | 57.7064% | 104 |
| Memoranda: | ||
| Average total assets | $14,721,000 | 6,686 |
| Average earning assets | $14,274,500 | 6,666 |
| Average equity | $6,347,000 | 5,677 |
| Average total loans | $5,061,500 | 6,650 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3205% | 5,971 |
| Cost of funding earning assets | 0.4427% | 4,187 |
| Net interest margin | 2.8777% | 5,830 |
| Noninterest income to average assets | 0.3366% | 4,911 |
| Noninterest expense to average assets | 2.2550% | 5,492 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5991% | 4,262 |
| Return on assets (ROA) | 0.5991% | 4,381 |
| Pretax return on assets | 0.8818% | 3,841 |
| Return on Equity (ROE) | 1.3905% | 6,011 |
| Retained earnings to average equity (ytd only) | 1.3905% | 5,202 |
| Net charge-offs to loans | -0.0766% | 6,423 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8884% | 3,499 |
| Assets per employee ($millions) | 7.3145% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7113% | 6,327 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 34.3496% | 6,275 |
| Net loans and leases to deposits | 61.2058% | 4,808 |
| Net loans and leases to core deposits | 61.2058% | 5,134 |
| Total domestic deposits to total assets | 56.1214% | 6,737 |
| Equity capital to assets | 43.2019% | 44 |
| Core capital (leverage) ratio | 42.3337% | 42 |
| Tier 1 risk-based capital ratio | 57.8407% | 95 |
| Total risk-based capital ratio | 57.8407% | 100 |
| Memoranda: | ||
| Average total assets | $14,856,000 | 6,766 |
| Average earning assets | $14,455,800 | 6,743 |
| Average equity | $6,400,800 | 5,715 |
| Average total loans | $5,222,000 | 6,729 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2669% | 6,109 |
| Cost of funding earning assets | 0.4589% | 4,181 |
| Net interest margin | 2.8081% | 6,002 |
| Noninterest income to average assets | 0.2235% | 5,828 |
| Noninterest expense to average assets | 1.9759% | 6,053 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5811% | 4,423 |
| Return on assets (ROA) | 0.5811% | 4,553 |
| Pretax return on assets | 0.9835% | 3,570 |
| Return on Equity (ROE) | 1.3496% | 6,108 |
| Retained earnings to average equity (ytd only) | 1.3496% | 5,441 |
| Net charge-offs to loans | -0.0760% | 6,430 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7674% | 4,347 |
| Assets per employee ($millions) | 7.3995% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7004% | 6,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 33.5293% | 6,387 |
| Net loans and leases to deposits | 59.5464% | 5,026 |
| Net loans and leases to core deposits | 59.5464% | 5,335 |
| Total domestic deposits to total assets | 56.3079% | 6,812 |
| Equity capital to assets | 42.9894% | 43 |
| Core capital (leverage) ratio | 42.3677% | 41 |
| Tier 1 risk-based capital ratio | 59.0841% | 98 |
| Total risk-based capital ratio | 59.4139% | 99 |
| Memoranda: | ||
| Average total assets | $14,912,750 | 6,842 |
| Average earning assets | $14,529,250 | 6,822 |
| Average equity | $6,421,000 | 5,785 |
| Average total loans | $5,262,250 | 6,806 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2944% | 6,097 |
| Cost of funding earning assets | 0.4667% | 4,243 |
| Net interest margin | 2.8277% | 5,949 |
| Noninterest income to average assets | 0.1472% | 6,313 |
| Noninterest expense to average assets | 2.1939% | 5,649 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5351% | 4,640 |
| Return on assets (ROA) | 0.5351% | 4,804 |
| Pretax return on assets | 0.7090% | 4,658 |
| Return on Equity (ROE) | 1.2421% | 6,157 |
| Retained earnings to average equity (ytd only) | 1.2421% | 5,402 |
| Net charge-offs to loans | -0.1121% | 6,528 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5760% | 2,845 |
| Assets per employee ($millions) | 7.4035% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6636% | 6,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 35.3819% | 6,343 |
| Net loans and leases to deposits | 63.2806% | 4,585 |
| Net loans and leases to core deposits | 63.2806% | 4,972 |
| Total domestic deposits to total assets | 55.9127% | 6,861 |
| Equity capital to assets | 42.7433% | 40 |
| Core capital (leverage) ratio | 42.0747% | 39 |
| Tier 1 risk-based capital ratio | 54.0283% | 112 |
| Total risk-based capital ratio | 54.3318% | 114 |
| Memoranda: | ||
| Average total assets | $14,950,670 | 6,891 |
| Average earning assets | $14,570,000 | 6,871 |
| Average equity | $6,440,670 | 5,822 |
| Average total loans | $5,350,670 | 6,852 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3181% | 6,120 |
| Cost of funding earning assets | 0.4896% | 4,180 |
| Net interest margin | 2.8286% | 5,977 |
| Noninterest income to average assets | 0.2929% | 5,365 |
| Noninterest expense to average assets | 2.3165% | 5,381 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5858% | 4,289 |
| Return on assets (ROA) | 0.5858% | 4,435 |
| Pretax return on assets | 0.7455% | 4,393 |
| Return on Equity (ROE) | 1.3546% | 6,131 |
| Retained earnings to average equity (ytd only) | 1.3546% | 5,305 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6522% | 2,985 |
| Assets per employee ($millions) | 7.5090% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6011% | 6,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 35.2377% | 6,353 |
| Net loans and leases to deposits | 64.3248% | 4,280 |
| Net loans and leases to core deposits | 64.3248% | 4,708 |
| Total domestic deposits to total assets | 54.7809% | 6,939 |
| Equity capital to assets | 43.2414% | 43 |
| Core capital (leverage) ratio | 42.5356% | 40 |
| Tier 1 risk-based capital ratio | 56.7570% | 103 |
| Total risk-based capital ratio | 56.7570% | 108 |
| Memoranda: | ||
| Average total assets | $15,022,500 | 6,965 |
| Average earning assets | $14,707,000 | 6,945 |
| Average equity | $6,496,500 | 5,866 |
| Average total loans | $5,389,000 | 6,922 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8906% | 5,596 |
| Cost of funding earning assets | 0.5065% | 5,169 |
| Net interest margin | 3.3840% | 4,943 |
| Noninterest income to average assets | 0.7487% | 2,504 |
| Noninterest expense to average assets | 2.5320% | 4,986 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9801% | 2,425 |
| Return on assets (ROA) | 0.9801% | 2,649 |
| Pretax return on assets | 1.4906% | 1,702 |
| Return on Equity (ROE) | 2.2340% | 5,838 |
| Retained earnings to average equity (ytd only) | 2.2340% | 4,667 |
| Net charge-offs to loans | 0.0871% | 4,804 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 43.8000% | 742 |
| Efficiency ratio | 62.9442% | 5,088 |
| Assets per employee ($millions) | 7.5135% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5867% | 6,774 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 36.0817% | 6,432 |
| Net loans and leases to deposits | 65.9852% | 4,287 |
| Net loans and leases to core deposits | 65.9852% | 4,738 |
| Total domestic deposits to total assets | 54.6816% | 7,003 |
| Equity capital to assets | 43.2488% | 43 |
| Core capital (leverage) ratio | 42.3637% | 40 |
| Tier 1 risk-based capital ratio | 57.3720% | 106 |
| Total risk-based capital ratio | 57.3720% | 109 |
| Memoranda: | ||
| Average total assets | $14,691,800 | 7,032 |
| Average earning assets | $14,213,800 | 7,006 |
| Average equity | $6,445,800 | 5,903 |
| Average total loans | $5,737,400 | 6,984 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9324% | 5,708 |
| Cost of funding earning assets | 0.5293% | 5,253 |
| Net interest margin | 3.4031% | 5,024 |
| Noninterest income to average assets | 0.3377% | 5,106 |
| Noninterest expense to average assets | 2.3548% | 5,532 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8671% | 3,148 |
| Return on assets (ROA) | 0.8671% | 3,389 |
| Pretax return on assets | 1.2687% | 2,715 |
| Return on Equity (ROE) | 1.9691% | 6,029 |
| Retained earnings to average equity (ytd only) | 1.9691% | 5,338 |
| Net charge-offs to loans | 0.1377% | 4,013 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 23.1663% | 1,322 |
| Efficiency ratio | 64.9874% | 4,629 |
| Assets per employee ($millions) | 7.3555% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5598% | 6,907 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 37.4346% | 6,451 |
| Net loans and leases to deposits | 70.7659% | 3,792 |
| Net loans and leases to core deposits | 70.7659% | 4,401 |
| Total domestic deposits to total assets | 52.8992% | 7,104 |
| Equity capital to assets | 44.4361% | 42 |
| Core capital (leverage) ratio | 42.9407% | 41 |
| Tier 1 risk-based capital ratio | 59.9620% | 96 |
| Total risk-based capital ratio | 59.9620% | 98 |
| Memoranda: | ||
| Average total assets | $14,608,000 | 7,129 |
| Average earning assets | $14,104,500 | 7,100 |
| Average equity | $6,432,500 | 5,979 |
| Average total loans | $5,808,250 | 7,075 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0557% | 5,468 |
| Cost of funding earning assets | 0.5530% | 5,286 |
| Net interest margin | 3.5026% | 4,653 |
| Noninterest income to average assets | 0.2059% | 6,090 |
| Noninterest expense to average assets | 2.1957% | 6,022 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9332% | 2,747 |
| Return on assets (ROA) | 0.9332% | 3,014 |
| Pretax return on assets | 1.3998% | 2,195 |
| Return on Equity (ROE) | 2.1258% | 6,003 |
| Retained earnings to average equity (ytd only) | 2.1258% | 5,130 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0687% | 5,414 |
| Assets per employee ($millions) | 7.3755% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 39.3668% | 6,380 |
| Net loans and leases to deposits | 72.8973% | 3,470 |
| Net loans and leases to core deposits | 72.8973% | 4,180 |
| Total domestic deposits to total assets | 54.0031% | 7,166 |
| Equity capital to assets | 43.7258% | 41 |
| Core capital (leverage) ratio | 42.8920% | 39 |
| Tier 1 risk-based capital ratio | 60.3261% | 95 |
| Total risk-based capital ratio | 60.3261% | 96 |
| Memoranda: | ||
| Average total assets | $14,573,670 | 7,190 |
| Average earning assets | $14,103,670 | 7,160 |
| Average equity | $6,397,670 | 6,014 |
| Average total loans | $5,898,330 | 7,131 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8893% | 6,037 |
| Cost of funding earning assets | 0.5678% | 5,374 |
| Net interest margin | 3.3215% | 5,400 |
| Noninterest income to average assets | 0.4142% | 4,563 |
| Noninterest expense to average assets | 2.2644% | 5,868 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9389% | 2,752 |
| Return on assets (ROA) | 0.9389% | 2,954 |
| Pretax return on assets | 1.3807% | 2,245 |
| Return on Equity (ROE) | 2.1345% | 6,029 |
| Retained earnings to average equity (ytd only) | 2.1345% | 5,196 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1212% | 5,261 |
| Assets per employee ($millions) | 7.3220% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,247 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 40.4398% | 6,313 |
| Net loans and leases to deposits | 74.8200% | 2,996 |
| Net loans and leases to core deposits | 74.8200% | 3,777 |
| Total domestic deposits to total assets | 54.0494% | 7,230 |
| Equity capital to assets | 43.8132% | 36 |
| Core capital (leverage) ratio | 42.9732% | 35 |
| Tier 1 risk-based capital ratio | 61.0615% | 91 |
| Total risk-based capital ratio | 61.0615% | 95 |
| Memoranda: | ||
| Average total assets | $14,485,000 | 7,254 |
| Average earning assets | $14,090,000 | 7,220 |
| Average equity | $6,371,500 | 6,056 |
| Average total loans | $5,944,000 | 7,193 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7095% | 4,200 |
| Cost of funding earning assets | 0.6056% | 6,065 |
| Net interest margin | 4.1039% | 2,410 |
| Noninterest income to average assets | 0.0000% | 6,982 |
| Noninterest expense to average assets | 3.9392% | 1,131 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0831% | 5,899 |
| Return on assets (ROA) | 0.0831% | 6,016 |
| Pretax return on assets | 0.0485% | 6,051 |
| Return on Equity (ROE) | 0.1909% | 6,123 |
| Retained earnings to average equity (ytd only) | 0.1909% | 5,752 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7847% | 708 |
| Assets per employee ($millions) | 7.1630% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6202% | 6,994 |
| Loan loss allowance to noncurrent loans | 616.6667% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 6,861 |
| Noncurrent loans to loans | 0.1006% | 6,559 |
| Net loans and leases to total assets | 41.3863% | 6,432 |
| Net loans and leases to deposits | 76.8802% | 3,024 |
| Net loans and leases to core deposits | 76.8802% | 3,844 |
| Total domestic deposits to total assets | 53.8322% | 7,271 |
| Equity capital to assets | 44.1645% | 37 |
| Core capital (leverage) ratio | 43.9469% | 38 |
| Tier 1 risk-based capital ratio | 66.6096% | 77 |
| Total risk-based capital ratio | 67.0057% | 76 |
| Memoranda: | ||
| Average total assets | $14,444,400 | 7,292 |
| Average earning assets | $14,035,400 | 7,263 |
| Average equity | $6,286,600 | 6,079 |
| Average total loans | $6,266,000 | 7,238 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2652% | 6,044 |
| Cost of funding earning assets | 0.6445% | 6,060 |
| Net interest margin | 3.6207% | 4,692 |
| Noninterest income to average assets | 0.0000% | 7,100 |
| Noninterest expense to average assets | 4.5045% | 574 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.3961% | 6,579 |
| Return on assets (ROA) | -0.3961% | 6,630 |
| Pretax return on assets | -0.9856% | 6,871 |
| Return on Equity (ROE) | -0.9134% | 6,370 |
| Retained earnings to average equity (ytd only) | -0.9134% | 6,142 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.0105% | 241 |
| Assets per employee ($millions) | 7.2245% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5631% | 7,123 |
| Loan loss allowance to noncurrent loans | 616.6667% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 6,950 |
| Noncurrent loans to loans | 0.0913% | 6,704 |
| Net loans and leases to total assets | 45.2211% | 6,222 |
| Net loans and leases to deposits | 83.6406% | 2,054 |
| Net loans and leases to core deposits | 83.6406% | 3,107 |
| Total domestic deposits to total assets | 54.0660% | 7,345 |
| Equity capital to assets | 43.8439% | 47 |
| Core capital (leverage) ratio | 43.4970% | 47 |
| Tier 1 risk-based capital ratio | 66.7641% | 89 |
| Total risk-based capital ratio | 67.1647% | 91 |
| Memoranda: | ||
| Average total assets | $14,474,000 | 7,369 |
| Average earning assets | $14,067,000 | 7,337 |
| Average equity | $6,276,500 | 6,122 |
| Average total loans | $6,341,000 | 7,305 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1838% | 6,314 |
| Cost of funding earning assets | 0.6688% | 6,129 |
| Net interest margin | 3.5149% | 5,089 |
| Noninterest income to average assets | 0.0000% | 7,188 |
| Noninterest expense to average assets | 3.2868% | 2,610 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1243% | 5,950 |
| Return on assets (ROA) | 0.1243% | 6,043 |
| Pretax return on assets | 0.1243% | 6,060 |
| Return on Equity (ROE) | 0.2877% | 6,245 |
| Retained earnings to average equity (ytd only) | 0.2877% | 5,723 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3563% | 862 |
| Assets per employee ($millions) | 4.7763% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5912% | 7,145 |
| Loan loss allowance to noncurrent loans | 616.6667% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 6,990 |
| Noncurrent loans to loans | 0.0959% | 6,733 |
| Net loans and leases to total assets | 43.4155% | 6,482 |
| Net loans and leases to deposits | 78.9367% | 2,974 |
| Net loans and leases to core deposits | 78.9367% | 3,939 |
| Total domestic deposits to total assets | 55.0003% | 7,406 |
| Equity capital to assets | 43.9807% | 53 |
| Core capital (leverage) ratio | 43.8121% | 52 |
| Tier 1 risk-based capital ratio | 68.9349% | 84 |
| Total risk-based capital ratio | 69.3450% | 84 |
| Memoranda: | ||
| Average total assets | $14,482,330 | 7,443 |
| Average earning assets | $14,054,330 | 7,410 |
| Average equity | $6,257,000 | 6,156 |
| Average total loans | $6,264,330 | 7,379 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0217% | 6,653 |
| Cost of funding earning assets | 0.7080% | 6,089 |
| Net interest margin | 3.3136% | 5,729 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 3.1870% | 2,937 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0275% | 6,285 |
| Return on assets (ROA) | 0.0275% | 6,320 |
| Pretax return on assets | 0.0275% | 6,307 |
| Return on Equity (ROE) | 0.0642% | 6,371 |
| Retained earnings to average equity (ytd only) | 0.0642% | 5,769 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1453% | 780 |
| Assets per employee ($millions) | 4.8173% | 2,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5847% | 7,219 |
| Loan loss allowance to noncurrent loans | 616.6667% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 7,058 |
| Noncurrent loans to loans | 0.0948% | 6,808 |
| Net loans and leases to total assets | 43.5303% | 6,506 |
| Net loans and leases to deposits | 77.4658% | 3,161 |
| Net loans and leases to core deposits | 77.4658% | 4,098 |
| Total domestic deposits to total assets | 56.1929% | 7,460 |
| Equity capital to assets | 43.1082% | 50 |
| Core capital (leverage) ratio | 43.0701% | 49 |
| Tier 1 risk-based capital ratio | 68.9456% | 80 |
| Total risk-based capital ratio | 69.3563% | 81 |
| Memoranda: | ||
| Average total assets | $14,559,000 | 7,500 |
| Average earning assets | $14,123,500 | 7,469 |
| Average equity | $6,234,500 | 6,172 |
| Average total loans | $6,267,500 | 7,438 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3487% | 2,903 |
| Cost of funding earning assets | 0.8106% | 6,521 |
| Net interest margin | 4.5381% | 1,156 |
| Noninterest income to average assets | 0.0000% | 7,282 |
| Noninterest expense to average assets | 3.4409% | 2,328 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5936% | 3,699 |
| Return on assets (ROA) | 0.9651% | 2,269 |
| Pretax return on assets | 1.5246% | 1,312 |
| Return on Equity (ROE) | 2.2117% | 5,303 |
| Retained earnings to average equity (ytd only) | 2.2117% | 4,339 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4689% | 2,622 |
| Assets per employee ($millions) | 4.8887% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5961% | 7,268 |
| Loan loss allowance to noncurrent loans | 616.6667% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 7,137 |
| Noncurrent loans to loans | 0.0967% | 6,892 |
| Net loans and leases to total assets | 42.0701% | 6,845 |
| Net loans and leases to deposits | 74.5980% | 4,097 |
| Net loans and leases to core deposits | 74.5980% | 4,897 |
| Total domestic deposits to total assets | 56.3957% | 7,534 |
| Equity capital to assets | 42.5406% | 50 |
| Core capital (leverage) ratio | 42.4761% | 53 |
| Tier 1 risk-based capital ratio | 70.0903% | 78 |
| Total risk-based capital ratio | 70.5079% | 80 |
| Memoranda: | ||
| Average total assets | $14,298,600 | 7,583 |
| Average earning assets | $13,816,400 | 7,550 |
| Average equity | $6,239,600 | 6,294 |
| Average total loans | $6,491,400 | 7,513 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3809% | 6,846 |
| Cost of funding earning assets | 0.8645% | 6,529 |
| Net interest margin | 3.5163% | 5,226 |
| Noninterest income to average assets | 0.0000% | 7,437 |
| Noninterest expense to average assets | 3.2097% | 2,893 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.1877% | 5,543 |
| Return on assets (ROA) | 0.2440% | 5,529 |
| Pretax return on assets | 0.2440% | 5,626 |
| Return on Equity (ROE) | 0.5556% | 6,001 |
| Retained earnings to average equity (ytd only) | 0.5556% | 5,575 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4751% | 978 |
| Assets per employee ($millions) | 4.7450% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6226% | 7,320 |
| Loan loss allowance to noncurrent loans | 666.6667% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 7,244 |
| Noncurrent loans to loans | 0.0934% | 6,997 |
| Net loans and leases to total assets | 44.8542% | 6,781 |
| Net loans and leases to deposits | 83.1813% | 2,874 |
| Net loans and leases to core deposits | 83.1813% | 4,069 |
| Total domestic deposits to total assets | 53.9234% | 7,652 |
| Equity capital to assets | 44.5311% | 54 |
| Core capital (leverage) ratio | 44.0352% | 51 |
| Tier 1 risk-based capital ratio | 72.4400% | 76 |
| Total risk-based capital ratio | 72.9152% | 77 |
| Memoranda: | ||
| Average total assets | $14,206,750 | 7,684 |
| Average earning assets | $13,726,000 | 7,650 |
| Average equity | $6,239,750 | 6,382 |
| Average total loans | $6,562,500 | 7,606 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4089% | 6,883 |
| Cost of funding earning assets | 0.8935% | 6,611 |
| Net interest margin | 3.5154% | 5,189 |
| Noninterest income to average assets | 0.0000% | 7,524 |
| Noninterest expense to average assets | 3.2541% | 2,713 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1268% | 5,791 |
| Return on assets (ROA) | 0.2113% | 5,655 |
| Pretax return on assets | 0.2113% | 5,749 |
| Return on Equity (ROE) | 0.4834% | 6,087 |
| Retained earnings to average equity (ytd only) | 0.4834% | 5,569 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2500% | 953 |
| Assets per employee ($millions) | 4.7440% | 2,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6172% | 7,386 |
| Loan loss allowance to noncurrent loans | 666.6667% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 7,284 |
| Noncurrent loans to loans | 0.0926% | 7,081 |
| Net loans and leases to total assets | 45.2572% | 6,827 |
| Net loans and leases to deposits | 83.0882% | 3,055 |
| Net loans and leases to core deposits | 83.0882% | 4,271 |
| Total domestic deposits to total assets | 54.4688% | 7,716 |
| Equity capital to assets | 44.1540% | 53 |
| Core capital (leverage) ratio | 43.7442% | 52 |
| Tier 1 risk-based capital ratio | 75.5867% | 73 |
| Total risk-based capital ratio | 76.0834% | 74 |
| Memoranda: | ||
| Average total assets | $14,197,330 | 7,749 |
| Average earning assets | $13,654,330 | 7,715 |
| Average equity | $6,206,670 | 6,401 |
| Average total loans | $6,608,330 | 7,672 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5458% | 6,688 |
| Cost of funding earning assets | 0.9678% | 6,513 |
| Net interest margin | 3.5780% | 4,819 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 3.2722% | 2,626 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1693% | 5,791 |
| Return on assets (ROA) | 0.3385% | 5,253 |
| Pretax return on assets | 0.3385% | 5,495 |
| Return on Equity (ROE) | 0.7782% | 6,184 |
| Retained earnings to average equity (ytd only) | 0.7782% | 5,513 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0820% | 1,074 |
| Assets per employee ($millions) | 4.6803% | 2,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5857% | 7,517 |
| Loan loss allowance to noncurrent loans | 571.4286% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 7,361 |
| Noncurrent loans to loans | 0.1025% | 7,138 |
| Net loans and leases to total assets | 48.3584% | 6,636 |
| Net loans and leases to deposits | 87.7261% | 2,274 |
| Net loans and leases to core deposits | 87.7261% | 3,654 |
| Total domestic deposits to total assets | 55.1243% | 7,805 |
| Equity capital to assets | 44.0140% | 52 |
| Core capital (leverage) ratio | 43.8099% | 51 |
| Tier 1 risk-based capital ratio | 76.1041% | 69 |
| Total risk-based capital ratio | 76.6045% | 69 |
| Memoranda: | ||
| Average total assets | $14,180,000 | 7,850 |
| Average earning assets | $13,639,000 | 7,816 |
| Average equity | $6,168,000 | 6,462 |
| Average total loans | $6,672,000 | 7,768 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8103% | 6,929 |
| Cost of funding earning assets | 1.4247% | 5,827 |
| Net interest margin | 3.3856% | 5,424 |
| Noninterest income to average assets | 0.0000% | 7,693 |
| Noninterest expense to average assets | 3.2854% | 3,059 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.2603% | 4,681 |
| Return on assets (ROA) | 0.7598% | 2,775 |
| Pretax return on assets | 0.4573% | 4,329 |
| Return on Equity (ROE) | 1.7574% | 4,997 |
| Retained earnings to average equity (ytd only) | 1.7574% | 3,856 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3015% | 1,043 |
| Assets per employee ($millions) | 4.7730% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6141% | 7,540 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 45.2127% | 7,037 |
| Net loans and leases to deposits | 80.5424% | 3,882 |
| Net loans and leases to core deposits | 91.4924% | 4,949 |
| Total domestic deposits to total assets | 56.1352% | 7,852 |
| Equity capital to assets | 42.9918% | 59 |
| Core capital (leverage) ratio | 42.8088% | 61 |
| Tier 1 risk-based capital ratio | 76.8608% | 77 |
| Total risk-based capital ratio | 77.3671% | 77 |
| Memoranda: | ||
| Average total assets | $14,214,400 | 7,915 |
| Average earning assets | $13,616,600 | 7,878 |
| Average equity | $6,145,400 | 6,548 |
| Average total loans | $6,460,800 | 7,847 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9020% | 6,882 |
| Cost of funding earning assets | 1.5521% | 5,622 |
| Net interest margin | 3.3499% | 5,443 |
| Noninterest income to average assets | 0.0000% | 7,834 |
| Noninterest expense to average assets | 3.1763% | 3,376 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.0282% | 5,650 |
| Return on assets (ROA) | 0.1221% | 5,462 |
| Pretax return on assets | 0.1221% | 5,477 |
| Return on Equity (ROE) | 0.2821% | 5,690 |
| Retained earnings to average equity (ytd only) | 0.2821% | 5,078 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1202% | 1,106 |
| Assets per employee ($millions) | 4.8380% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6097% | 7,563 |
| Loan loss allowance to noncurrent loans | 500.0000% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 7,421 |
| Noncurrent loans to loans | 0.1219% | 7,170 |
| Net loans and leases to total assets | 44.9290% | 7,176 |
| Net loans and leases to deposits | 80.3178% | 4,335 |
| Net loans and leases to core deposits | 90.9230% | 5,343 |
| Total domestic deposits to total assets | 55.9391% | 7,926 |
| Equity capital to assets | 42.4004% | 70 |
| Core capital (leverage) ratio | 42.0006% | 67 |
| Tier 1 risk-based capital ratio | 76.2409% | 79 |
| Total risk-based capital ratio | 76.7513% | 79 |
| Memoranda: | ||
| Average total assets | $14,188,250 | 7,993 |
| Average earning assets | $13,572,500 | 7,964 |
| Average equity | $6,142,750 | 6,616 |
| Average total loans | $6,447,500 | 7,924 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1343% | 6,300 |
| Cost of funding earning assets | 1.6128% | 5,695 |
| Net interest margin | 3.5215% | 4,694 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 3.2245% | 3,255 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1563% | 5,400 |
| Return on assets (ROA) | 0.2983% | 5,021 |
| Pretax return on assets | 0.2983% | 5,214 |
| Return on Equity (ROE) | 0.6842% | 5,728 |
| Retained earnings to average equity (ytd only) | 0.6842% | 4,918 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3782% | 1,416 |
| Assets per employee ($millions) | 4.6803% | 2,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6074% | 7,625 |
| Loan loss allowance to noncurrent loans | 500.0000% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 7,450 |
| Noncurrent loans to loans | 0.1215% | 7,213 |
| Net loans and leases to total assets | 46.6135% | 7,154 |
| Net loans and leases to deposits | 84.2885% | 3,826 |
| Net loans and leases to core deposits | 94.7727% | 5,030 |
| Total domestic deposits to total assets | 55.3023% | 8,015 |
| Equity capital to assets | 43.5083% | 76 |
| Core capital (leverage) ratio | 43.1248% | 81 |
| Tier 1 risk-based capital ratio | 77.5230% | 88 |
| Total risk-based capital ratio | 78.0412% | 87 |
| Memoranda: | ||
| Average total assets | $14,079,670 | 8,088 |
| Average earning assets | $13,517,000 | 8,056 |
| Average equity | $6,139,000 | 6,669 |
| Average total loans | $6,409,670 | 8,016 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3141% | 5,834 |
| Cost of funding earning assets | 1.6031% | 6,021 |
| Net interest margin | 3.7110% | 3,845 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 3.2059% | 2,963 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3404% | 5,111 |
| Return on assets (ROA) | 0.6242% | 4,099 |
| Pretax return on assets | 0.6242% | 4,678 |
| Return on Equity (ROE) | 1.4300% | 5,999 |
| Retained earnings to average equity (ytd only) | 1.4300% | 5,057 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4000% | 1,691 |
| Assets per employee ($millions) | 4.6873% | 2,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6343% | 7,596 |
| Loan loss allowance to noncurrent loans | 444.4444% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.0640% | 7,404 |
| Noncurrent loans to loans | 0.1427% | 7,113 |
| Net loans and leases to total assets | 44.5598% | 7,299 |
| Net loans and leases to deposits | 80.8516% | 4,483 |
| Net loans and leases to core deposits | 93.4805% | 5,208 |
| Total domestic deposits to total assets | 55.1131% | 8,055 |
| Equity capital to assets | 43.6922% | 82 |
| Core capital (leverage) ratio | 43.3466% | 88 |
| Tier 1 risk-based capital ratio | 80.9086% | 86 |
| Total risk-based capital ratio | 81.4494% | 87 |
| Memoranda: | ||
| Average total assets | $14,099,000 | 8,138 |
| Average earning assets | $13,473,500 | 8,107 |
| Average equity | $6,154,000 | 6,707 |
| Average total loans | $6,322,000 | 8,065 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7902% | 7,946 |
| Cost of funding earning assets | 1.9729% | 6,500 |
| Net interest margin | 2.8173% | 7,302 |
| Noninterest income to average assets | 0.0072% | 8,080 |
| Noninterest expense to average assets | 3.2997% | 2,958 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.5541% | 6,960 |
| Return on assets (ROA) | -1.1334% | 7,251 |
| Pretax return on assets | -1.1979% | 7,115 |
| Return on Equity (ROE) | -2.5295% | 6,566 |
| Retained earnings to average equity (ytd only) | -2.5295% | 6,000 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.6931% | 555 |
| Assets per employee ($millions) | 4.7120% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6311% | 7,608 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 44.5529% | 7,433 |
| Net loans and leases to deposits | 81.0345% | 4,865 |
| Net loans and leases to core deposits | 88.2444% | 5,950 |
| Total domestic deposits to total assets | 54.9802% | 8,073 |
| Equity capital to assets | 43.6050% | 91 |
| Core capital (leverage) ratio | 43.1695% | 98 |
| Tier 1 risk-based capital ratio | 80.0833% | 99 |
| Total risk-based capital ratio | 80.6205% | 99 |
| Memoranda: | ||
| Average total assets | $13,940,600 | 8,186 |
| Average earning assets | $13,381,400 | 8,159 |
| Average equity | $6,246,200 | 6,717 |
| Average total loans | $6,161,800 | 8,119 |